Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Complete Quick Quote Form in about 2 minutes
• An experienced insurance agent will call you for phone quote
• Accept quote and coverage confirmation may be emailed in minutes.

Medical offices are establishments in which physicians and doctors treat patients in their particular field of expertise. Physicians may be specialized in dentistry, optometry, gynecology or cardiology for example, or they may be general practitioners. Medical offices are smaller than hospitals and do not offer emergency or surgical services. Doctors in medical offices may refer their patients to hospitals or clinics for surgeries or laboratory testing.

General Liability Insurance for Medical Offices – Patients and other customers are subject to injuries if the medical offices are not free from hazards such as debris and poor lighting. Medical offices should use common sense practices and maintain good housekeeping in order to reduce injury to patients and others visitors. Restrooms should be kept sanitary and any wet spots should be immediately cleaned with appropriate “Wet Floor” warning signage to help prevent slips and falls.

Professional Liability (Errors and Omissions) Insurance for Medical Offices – Mistakes made by physicians and other medical professionals in medical offices could result in serious lawsuits as their work involves the medical care of patients. In the worst-case scenarios, serious injuries, medical problems or death could result from mistakes made by medical professionals.

Workers’ Compensation Insurance for Medical Offices – Employees of medical offices may suffer from injuries or health problems as a result of unsanitary practices or lifting heavy items. Risks are elevated if employees do not have access to disease vaccinations. Medical office employees who work at a desk and use computers often should take periodic breaks in order to prevent eye strain and repetitive motion injuries.

Property Insurance for Medical Offices – Medical equipment kept in medical offices is subject to damage or loss, and if a large amount of drugs are kept on hand, theft is a major concern. Important information such as clients’ records, accounts receivable information and data stored in computers should be duplicated and kept off-site in case of a major loss of property. Primary risk factors for fire at medical offices include the age and construction type of the building. The severity potential of a fire will depend on the construction type. A one-hour firewall should be in place and should extend through the roof whenever one building is connected to other buildings like in an office complex, for example.

Crime Insurance for Medical Offices – The most common crimes in medical offices is committed by employees who steal money or drugs from the medical office. Employees should be carefully screened with thorough applications, background and reference checks prior to being hired.